RISK DISCLOSURE NOTICE

1. INTRODUCTION

This Risk Disclosure Notice is provided to ensure that investors and prospective investors are aware of the nature of the investment opportunities facilitated through Rihlat Muzdahira and the associated risks.

All investments involve risk, and prospective investors should carefully consider whether such investments are appropriate for their individual circumstances.

2. NATURE OF INVESTMENTS

Rihlat Muzdahira facilitates access to structured, Shariah-compliant, asset-backed investment opportunities through an En Commandite Partnership (ECP) model.

Investments are linked to underlying transactions across sectors such as asset finance, trade and commodity transactions, and property-related opportunities.

Returns are derived from the performance of these underlying transactions.

3. NO GUARANTEE OF RETURNS

Investment returns are not guaranteed.

All returns are dependent on the successful execution and performance of underlying transactions. Past performance is not indicative of future performance.

4. CAPITAL RISK

Invested capital is at risk.

There is a possibility that investors may not recover the full amount of capital invested, depending on the performance and outcome of the underlying transactions.

5. LIQUIDITY RISK

Investments may be subject to limited liquidity.

Capital is typically committed for the duration of the underlying transaction, and early withdrawal may not be possible or may be subject to restrictions.

6. TRANSACTION RISK

Investment outcomes are dependent on the successful completion of underlying transactions.

Risks may include:

• • Counterparty performance risk
• • Execution risk
• • Market-related factors affecting the transaction

7. ASSET RISK

Where investments are linked to underlying assets, there may be risks relating to the value, performance, or condition of such assets.

8. OPERATIONAL RISK

Operational risks may arise from internal processes, systems, or external events that could impact the execution or management of transactions.

9. REGULATORY AND COMPLIANCE RISK

Changes in applicable laws, regulations, or regulatory interpretations may impact the structure, operation, or performance of investments.

10. SHARIAH COMPLIANCE

Investments are structured in accordance with Shariah principles and are subject to ongoing oversight.

While every effort is made to ensure compliance, interpretations of Shariah principles may vary, and investors should consider this in their assessment.

11. SUITABILITY

These investment opportunities may not be suitable for all investors.

Investors should consider their:

• • Financial position
• • Investment objectives
• • Risk tolerance
• • Liquidity needs

Independent financial advice is recommended.

12. NO FINANCIAL ADVICE

The information provided by Rihlat Muzdahira does not constitute financial advice unless expressly stated.

Investors are encouraged to consult with a licensed financial adviser before making any investment decisions.

13. CONFLICT OF INTEREST

Rihlat Muzdahira maintains policies and procedures to identify, manage, and mitigate conflicts of interest in accordance with regulatory requirements.

14. DISCLAIMER

This information is provided for informational purposes only and does not constitute an offer to invest or a solicitation of any investment.

15. CONTACT DETAILS

Rihlat Muzdahira (Pty) Ltd

Authorised Financial Services Provider (FSP)54971

For further information, please contact: info@rihlat.co.za